The City of Johnstown has identified the need to expand home buyer assistance as an objective in various planning documents such as the Comprehensive Housing Affordability Strategy, the Enterprise Community Strategy, and its Consolidated Plan. The City has developed a program entitled, “First Time Home Buyer Program” designed to assist first time home buyers with the purchase and rehabilitation of an existing single-family home within the City’s corporate limits. Local lending institutions have offered to participate in the program by providing first mortgage loans to eligible, credit-worthy applicants.